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Takenos review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Takenos pairs a variable headline rate of 3% with a monthly fee of $0 and an easy-access setup, so it suits savers who want yield to accrue in the app and investment packages they can trade without commissions. The variable rate is the trade-off: it can move either way.

Key facts

Best for
Savers who want an easy-access balance with no monthly fee and free trading on packages.
Headline rate
3%↗
Rate type
Variable↗
Minimum deposit
$1↗
Access terms
Balance yield accrues in the app; investment packages can be bought and sold 24/5 with no commissions↗
Monthly fee
$0↗
Account kind
Easy access↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
takenos.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Monthly fee of $0 under a no-monthly-fee model
  • Yield on the balance builds up in the app, and investment packages can be traded there with no commissions
  • Entry point of $1 keeps the minimum deposit low
  • Variable rate of 3% in a market where most easy-access accounts sit lower

Cons

  • The rate is variable, so the 3% headline can fall
  • Support runs on email and help centre only
  • Ranked 249 of 488 on headline rate
Takenos

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Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Savers building a cash buffer who want easy access rather than a fixed term
  • Anyone happy to trade investment packages alongside the balance
  • People who prefer handling everything in the app

Who should look elsewhere

  • Savers chasing a higher variable rate, where Wise pays 3.29%
  • Buyers who want phone support, since support runs on email and help centre only
  • Savers who want to lock a rate for a set term, since the variable rate can move

Rates and card terms

The headline rate is 3% and its rate type is variable, so the figure can move in either direction rather than staying locked. Easy access means the balance is not tied to a fixed term. There is no monthly charge, and investment packages can be bought and sold through the app with no commissions, while balance yield accrues there. Entry starts at $1.

How Takenos compares

Where Takenos is available

Available
Argentina, Bolivia, Ecuador, Paraguay, Peru

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Takenos pay on the balance?+

The headline rate is 3% and it is variable, so it can move rather than staying fixed for a set term. The account is easy access, which suits anyone who needs to move money out without a notice period.

Is there a monthly fee?+

The monthly fee is $0, and the account runs on a no-monthly-fee model. The only cost that comes with the account is therefore the rate you earn, not a charge for holding it.

How much do I need to put in to start?+

The minimum deposit is $1. That is a low entry point, so the account is open to people building a balance in smaller steps rather than depositing a lump sum.

Can I trade investment packages as well?+

Yes. Packages are bought and sold through the app without commissions, and the return on your balance also builds up there. Dealing runs through the week and weekend alike, so the balance and the packages sit in one place.

How do I reach Takenos if something goes wrong?+

Support runs on email and help centre, which means email and a help centre. There is no phone line listed, so anyone who wants to talk a problem through should check whether that matters to them first.

How does the rate compare with other easy-access accounts?+

Takenos pays 3% against a site median of 3% for this account type. Wise pays 3.29% and bunq mass interest is 3.01%, so the alternatives are close or slightly better on rate.

Who is Takenos suited to?+

It suits savers who want easy access, a no-monthly-fee setup and commission-free package trading in the same app. It fits people building a cash buffer and willing to accept a variable rate rather than a fixed one.

Sources

  • takenos.com checked September 26, 2026

    Backs: Pricing model, Monthly fee, Support channels

    “No opening or maintenance cost”

  • takenos.com/business checked September 26, 2026

    Backs: Account kind, Headline rate, Rate type

    “Immediate settlement: your international transactions settle in less than 24hs”

  • takenos.com/inversiones checked September 26, 2026

    Backs: Access terms, Minimum deposit

    “No commissions. You can buy and sell without costs 24/5”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Related by the facts

Takenos

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Savers who want an easy-access balance with no monthly fee and free trading on packages.

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